Often to achieve efficient and comprehensive health care coverage is not enough free national and must pay directly for medical costs, with serious repercussions on the family budget.

That’s why insurance companies offer various medical insurance policies to support the insured in case of expensive medical care in case of need for specialized facilities and skilled medical care and specific services.

It ‘can in fact receive compensation or per diem for each day of hospitalization, and outpatient surgery (including outpatient), and in case of injury, also caused by negligence, illness, childbirth or medical abortion.

In most medical policies is also provided the opportunity to choose the health facility (private or public) medical el’equipe which go in case of medical need.

The per diem allowance replacement may look like, if you use the NHS or as a supplement to public service, with the possibility of access without charge to the diagnosis and provide extra shelter in private, usually not covered by the NHS. Some insurance coverage, following accidents or illness, offer the possibility to undergo major surgery.

The intervention should, however, be listed in detail in terms of insurance at this time you can get compensation for medical expenses incurred on the findings even before hospitalization, up to a maximum period established in the bill.

It ‘can request additional insurance clauses:

- To extend the payment to the period of convalescence and private nursing care;

- To cover the expenses of one accompanying person;

- To ensure that the allowance be increased in case of prolonged hospitalization, severe or uncomfortable;

- To obtain compensation for admission as an organ donor;

- To receive the double indemnity in case of hospitalization for cancer diseases, intensive care or shelters abroad;

- To expand insurance coverage for physical therapy and spa treatments.

It ‘goes without saying that most terms and conditions are added to health insurance, plus the ultimate prize will be costly for the insured.

However, governments in several States are to ensure that their set of rules so that insurance companies in states that do not have good health insurance can be taken with the best members. One way that legislators are looking for is to limit insurance companies’ ability to cancel health policies for consumers, who pay for their own insurance.

Many Member States are known to cancel policies and denying claims due to some excuse or another. Buy individual health insurance is quickly becoming a standard, as more and more people are self-employed or have no coverage at work. It is estimated that the United States, there are more than 18 million people who choose to purchase health insurance individually.

Individual health insurance needs of people for many years worth of medical information and many insurance companies in the various States use this information to decide how much they should charge. If the applicant resides or inadvertently omitted information on an application, most states allow insurers to revoke the policy. This can happen within 2 years of grant. If this happens, people must pay for all the previous medical care which was previously paid by the insurance company.

However, many insurance companies in several Member States have been taken to court for canceling policies so the state legislators are now taking action to quell it. New Mexico, California, Connecticut, and few states that have passed legislatures to help people so that Member States may be the best for health insurance.

In this regard a new comment, as can be seen in terms of health insurance, age is a variable that influences the recruitment of health insurance, since not all companies insure over 65 years. In fact, we find a limit beyond 60 years, which medical insurance companies and find complicated.

Insurance companies, for its business model, hardly allowed older people above this age limit for expenses that they may pose, especially at constant revisions and hospitalization.

However, some companies offer medical insurance for people over 60 years, with specific coverage and benefits, and not to make age an issue. Searching the Internet I found a health care company The Boreal Medical Insurance (www.laborealmedica.es) that its coverage is health insurance for the elderly.

If you look at information from different medical insurance companies may offer such a product or service for these older age and need special attention.

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It is becoming increasingly more difficult. Before that everything was in just plain easier, it was enough to make a call to our bank or go in person to advise our bank so we would not pass a bill or more of any particular company.

Now however if we give low with a particular insurance company, the company must write to our low exposing at least two months in advance.

Of course and also we should also notify the bank if the insurance company do not give the hint and we want to continue collecting the receipt.

This measure is supported by the law of insurance contracts. And though long insurance companies have turned a blind eye to customers who have been discharged simply canceling the payment of the premium, it is also true that insurance companies can sue for payment of premium. And even after court order to get to the bank but the amount owed.

In particular the law of insurance contracts explicitly refers in its article number 22 that “the parties may oppose the extension of the contract by written notice to the other party, be decided no later than two months before the end of the period safe course. ” So if we do not want to risk, better inform in writing to the insurance company, noting that we do not want or need their services for a particular policy.